Start your return for free — you only pay when you're ready to submit. SubmitFox submits directly to HMRC.
Start filing →The deadline is approaching and you haven't filed yet. That's okay — there is still time, and filing late is far better than not filing at all. Here is exactly what to do right now.
Can I Still File Today?
Yes — as long as you are filing before the 31 January midnight deadline, your return will be accepted. Online filing is available 24 hours a day. SubmitFox can get your return submitted to HMRC in under 20 minutes.
What You Need Right Now
- Your UTR number (10-digit Unique Taxpayer Reference from HMRC)
- Your National Insurance number
- Income figures for the 2024/25 tax year: employment P60, self-employment income, rental income, dividends
- Records of any expenses you want to claim
If you can't find some details, use your best estimate. You can amend your return after submission if needed. Filing on time with estimated figures is always better than missing the deadline.
What Happens If You Miss the Deadline?
| Time after deadline | Penalty |
|---|---|
| 1 day late | Automatic £100 fine (even if you owe no tax) |
| 3 months late | £10 per day for up to 90 days (up to £900) |
| 6 months late | Additional 5% of tax owed or £300 (whichever is greater) |
| 12 months late | Further 5% or £300 penalty plus potential investigation |
File in 4 Steps Right Now
Gather your income figures
Find your P60, check your self-employment records, download platform payment reports. Do not wait for perfection — estimates can be corrected later.
Create your SubmitFox account
Sign up and start your return immediately. It is free to start — you only pay when you are ready to submit.
Complete your return
SubmitFox guides you through each section in plain English. Most people complete a straightforward return in 15 to 20 minutes.
Submit directly to HMRC
One click and your return is filed. You receive instant HMRC confirmation and a submission reference number.
File your Self Assessment right now
Start your return for free — you only pay when you're ready to submit.
SubmitFox submits directly to HMRC. Most people finish in under 20 minutes. Start for free — pay only when you submit.
Common Questions
No — the deadline is midnight on 31 January. If you miss it by even a minute, the £100 automatic penalty applies. File as early in the day as possible to avoid any technical issues.
Yes. HMRC accepts returns filed with best estimates, as long as you make a reasonable attempt to be accurate. You can amend your return within 12 months if your figures change. Filing on time with estimates is always better than missing the deadline.
Yes. You can file outstanding returns at any time — HMRC prefers late filing to non-filing. Contact HMRC or file through SubmitFox for each outstanding year. Penalties will still apply but voluntary disclosure is treated more favourably.
HMRC does accept appeals against penalties in cases of genuine hardship or exceptional circumstances (serious illness, bereavement, system failure). However, file first if you possibly can — it is easier to appeal a penalty than to avoid one by asking in advance.
Yes, as long as it is submitted before midnight on 31 January it is on time. For peace of mind, aim to file by 10pm to allow time for any last-minute technical issues.